Long-term disability benefits are designed to provide people with the funds necessary to live and peace of mind should they be unable to work due to a debilitating injury or illness. The average consumer trusts that insurance companies will correctly interpret the provisions of insurance policies and pay out valid claims. Unfortunately, however, this is not always the case.
Whether you have been denied disability benefits or you wish to file a claim for long-term disability benefits, the law office of Timothy H. Leigh-Bell will stand up for your rights. Our legal team offers experienced representation and dedicated personal service to help you obtain the coverage you need to maintain financial stability.
Protecting Clients' Rights to Coverage
Some insurance companies may attempt to avoid long-term costs by denying legitimate claims outright or terminating benefits before you have fully recovered. Typical insurance company tactics are:
- Using biased medical reports from their own doctors
- Insisting on "objective medical evidence," especially for conditions such as chronic pain, fibromyalgia, chronic fatigue syndrome and soft tissue injuries
- Unfairly relying on the change of definition from "own occupation" to "any occupation" to terminate benefits
In many cases employers and insurance companies combine to try to force you back to work before you are able by threatening to terminate your employment if you do not return to work.
If you have been subjected to these or other types of treatment, we can help you to recover some or all of the following benefits:
- Reinstatement of your long-term disability benefits
- Compensation for mental and emotional distress
- Damages for wrongful dismissal
- Compensation for discrimination under the Canada or Ontario Human Rights Code
- A lump sum payment on account of your future long-term disability benefits which you can then invest to pay you a guaranteed monthly amount
We will review the provisions of your policy and negotiate with your insurance company on your behalf to obtain the benefits you need. We have extensive experience with the long-term disability claims process. When necessary, we work with doctors, occupational therapists, vocational counsellors and other health care professionals to demonstrate the extent to which your disability prevents you from seeking employment.
Sun Life Denies LTD Benefits, Our client recovers $175,000.00 plus CPP
DF was an auto assembly line worker who became disabled from working due to back pain from degenerative disc disease and heart problems at a young age. His case was complicated by the fact that his previous family doctor was not available to provide evidence and that he came to us after the 1 year limitation period for making his claim had passed. Sun Life initially refused to pay his claim but after we sued they agreed to settle for a lump sum of $175,000.00 which was over 80% of the potential value of his claim, in addition to CPP disability benefits of $900.00 per month.
Do You Need a Disability Claims Lawyer in Brampton, Mississauga or Milton? Tim Leigh-Bell Serves Clients Throughout the Greater Toronto Area (GTA)
If you have suffered a disabling injury that prevents you from pursuing your career, contact our firm by calling 289-652-1611 or toll free at 1-800-626-7041 for a free consultation with Mississauga long-term disability benefits lawyer Tim Leigh-Bell. We can help you protect your rights and get the long-term disability benefits you need to carry on with your life.
